Types of Vehicles Covered by Commercial Auto Policies 

Commercial auto insurance is often associated with work trucks and delivery vans, but its scope may extend far beyond these familiar vehicles. Any vehicle used primarily for business purposes—whether it looks like a work vehicle or not—might require commercial coverage.

Vehicles Commonly Covered

Commercial auto policies may cover a wide range of vehicles, including the following:

• Pickup trucks—Commonly used to transport tools and materials in the construction, landscaping, and maintenance sectors

• Cargo vans—Frequently used in delivery services and mobile trades, offering enclosed space for equipment or goods

• Box trucks—Ideal for transporting larger quantities of goods, especially in retail, moving services, or logistics

• Refrigerated trucks—Designed for businesses that handle perishable items, such as food distributors or florists

• Flatbed trucks—Typically used in construction or heavy equipment transport, offering open space for oversized loads

• Trailers—Include utility trailers and other towable units used to haul equipment, supplies, or machinery

While these vehicles are typically associated with business use, it’s important to note that even standard personal vehicles may require commercial coverage if they’re used for work-related tasks.

What Commercial Auto Insurance May Include

A commercial auto policy can offer several types of coverage. Common components include the following:

• Liability coverage for bodily injury or property damage to others

• Collision coverage for vehicle damage sustained in an accident

• Comprehensive coverage for non-collision incidents like theft or weather damage

• Medical payments or personal injury protection coverage for medical expenses resulting from injuries to the driver or passengers in an accident

• Uninsured/underinsured motorist coverage for accidents involving drivers with insufficient insurance

Additional policy options and endorsements include roadside assistance, replacement cost vehicle coverage and gap insurance.

Commercial Auto Insurance in Fort Myers, FL

Commercial auto insurance is an important financial safeguard to help businesses manage vehicle-related risks. Coverage needs can vary widely depending on the nature of the business and how vehicles are used. Contact Unbeatable Insurance today for a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.